Really? You are an RN? If that was true, which i don't believe, I hope i never get you as a nurse. Your ignorance knows no bounds. You must have paid someone off to get that license.
got a message that I needed to call back as soon as possible because I had something out there that could go against my soc. number and if I didn't call back to resolve she would make a decision that would not be in my best interest. So my interest peeked I called back. She told me she was calling because of a unpaid payday loan from over 5 years ago came across her desk from the collection agency because it was unpaid. I have had collections before and I know they don't send it out to someone else. when I told her I would pay if it really was true but I wanted proof. she said they weren't allowed to send anything out in the mail that was paper. I said then give me the collectors info. and she said they would email me it. asked if I wanted to wait on hold or have her call back when it was sent to confirm. I chose to have her call thank god because that was at 350 in the afternoon and still by 8 am the next day no email. Imagine that. Do these people think we are stupid
I got a chance to listen to your recorded phone call. You called on 12/5/2014 at 3:43pm. The mediator did put you on hold to see if the financial office could generate you a email while you were still on the phone. Due to the high volume of work in the office the mediator was unable to get it to you right away. The mediator did state that she will just call you back, And she did leave you a message to let you know the letter was to be sent via mail and email. You have yet to respond back. No we do not think you are stupid, but we do think you are avoiding paying back a loan you took out. We looked through your file and you were sent through 3 different collection companies we called them and they stated that this was a trend with you..
Neither phone, fax or email are legal proof of a debt owed!
Section 809 of the FDCPA http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf requires 3rd-party debt collectors to give debtors written notice of debt (the key word is *shall*) :
"§ 809. Validation of debts
(a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing—
(1) the amount of the debt;
(2) the name of the creditor to whom the debt is owed;
(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;
(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and
(5) a statement that, upon the consumer’s written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor."
The Fair Debt Collection Practices Act (FDCPA) does not specifically address the use of email as communication with consumers. There appears to be no legal reason why debt collectors cannot “electronically” communicate with consumers rather than using U.S. Mail because the FDCPA does not specify the form of communication by which a debt collector may communicate with its debtor.
But, a debt collector should, at the very least, obtain a consumers consent to communicate via email and take the proper steps to protect a consumer’s privacy when if utilizing email in order to communicate.
WE HAD CONSENT TO EMAIL BY THE DEBTOR..